{"id":66772,"date":"2025-07-29T22:11:22","date_gmt":"2025-07-29T22:11:22","guid":{"rendered":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/"},"modified":"2025-07-29T22:11:22","modified_gmt":"2025-07-29T22:11:22","slug":"understanding-co-payments","status":"publish","type":"post","link":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/","title":{"rendered":"Understanding Co-Payments"},"content":{"rendered":"\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\">SPECIAL REPORT: Understanding Co-Payments \u2013 What You Still Owe<\/h2>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>Intro: \u201cMy Plan Covers 80%\u201d\u2026 But Who Pays the Other 20%?<\/strong><\/h2>\n\n\n\n<p>It\u2019s the question almost no one asks \u2014 until they see their credit card statement:<\/p>\n\n\n\n<blockquote class=\"\\&quot;wp-block-quote\\&quot; is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u201cWhy did I still owe $25 after my insurance covered it?\u201d<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Welcome to the world of <strong>co-payments<\/strong> (or co-insurance), a quiet but crucial part of your healthcare plan.<br>Understanding what co-pays are \u2014 and how they work \u2014 can help you plan better, avoid surprise charges, and use your benefits smarter.<\/p>\n\n\n\n<p>Let\u2019s break it down.<\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\ud83d\udcb3 What Is a Co-Payment (or Co-Insurance)?<\/strong><\/h2>\n\n\n\n<p>A <strong>co-payment<\/strong> is the portion of the treatment cost that your <strong>insurance doesn\u2019t cover<\/strong> \u2014 meaning, <strong>you pay it out of pocket<\/strong>.<\/p>\n\n\n\n<p>It\u2019s usually expressed as a <strong>percentage<\/strong> of the total cost.<\/p>\n\n\n\n<figure class=\\\"wp-block-table is-style-stripes\\\"><table class=\\\"has-fixed-layout\\\"><tbody><tr><td><strong>If your plan covers\u2026<\/strong><\/td><td><strong>You owe\u2026<\/strong><\/td><\/tr><tr><td>100%<\/td><td>$0<\/td><\/tr><tr><td>90%<\/td><td>10%<\/td><\/tr><tr><td>80% (most common)<\/td><td>20%<\/td><\/tr><tr><td>50% (low coverage)<\/td><td>50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>So if your massage costs $100 and your plan covers 80%, you\u2019ll pay $20 out of pocket.<\/p>\n\n\n\n<p>This amount is <strong>not reimbursed later<\/strong> \u2014 it\u2019s your share to pay at the time of service.<\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\ud83c\udfe5 Why Do Co-Payments Exist?<\/strong><\/h2>\n\n\n\n<p>Insurers use co-pays to:<\/p>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>Encourage responsible use of services<\/li>\n\n\n\n<li>Reduce over-claiming or unnecessary visits<\/li>\n\n\n\n<li>Share the cost between you and your employer<\/li>\n<\/ul>\n\n\n\n<p>It also helps keep premiums lower by not covering everything fully.\ud83d\udca1 <em>Tip: Some high-end plans (executive packages, union-negotiated plans) may offer 90\u2013100% coverage with no co-pay.<\/em><\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\ud83e\uddfe How to Know What You\u2019ll Owe Before Your Visit<\/strong><\/h2>\n\n\n\n<p>Your <strong>benefits booklet<\/strong> (or insurer portal) will state your co-insurance percentage for each service:<\/p>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>Massage Therapy: 80%<\/li>\n\n\n\n<li>Physiotherapy: 100%<\/li>\n\n\n\n<li>Chiropractic: 90%<\/li>\n<\/ul>\n\n\n\n<p>Also look for:<\/p>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li><strong>Per visit caps<\/strong> (e.g. \u201cup to $60\/session\u201d regardless of actual cost)<\/li>\n\n\n\n<li><strong>Annual limits<\/strong> (e.g. $500\/year)<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udcac Not sure how much you\u2019ll owe? Ask Ruby to calculate it at <a href=\\\"https:\/\/insurance.rmtclinic.net\\\">insurance.rmtclinic.net<\/a><\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\u26a0\ufe0f Hidden Costs to Watch For<\/strong><\/h2>\n\n\n\n<p>Even with coverage, you might still owe more than expected if:<\/p>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>Your clinic charges more than the insurer allows<\/li>\n\n\n\n<li>Your therapist is out-of-network or not RMT-certified<\/li>\n\n\n\n<li>You\u2019ve used most of your annual limit<\/li>\n\n\n\n<li>You misunderstood your co-insurance amount (e.g. thought it was 100%)<\/li>\n<\/ul>\n\n\n\n<p>\u2705<a href=\\\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/11\/Discover-how-online-booking-tools-can-simplify-scheduling.jpg\\\"> rmtclinic.net\/toronto\/<\/a> only lists verified RMTs with transparent pricing and insurance-ready receipts.<\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\ud83e\udde0 The Difference Between Co-Payments and Deductibles<\/strong><\/h2>\n\n\n\n<figure class=\\\"wp-block-table is-style-stripes\\\"><table class=\\\"has-fixed-layout\\\"><tbody><tr><td>Term<\/td><td>What It Means<\/td><\/tr><tr><td><strong>Co-Payment<\/strong><\/td><td>% you pay <strong>per visit<\/strong> (e.g. 20% of each massage)<\/td><\/tr><tr><td><strong>Deductible<\/strong><\/td><td>$ you must pay <strong>each year<\/strong> before coverage starts (rare for paramedical)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Most Canadian plans <strong>don\u2019t require deductibles<\/strong> for RMT, chiro, or physio. But co-payments are common.<\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\u2705 Action Plan: Ask Before You Book<\/strong><\/h2>\n\n\n\n<p>Always ask your clinic:<\/p>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>\u201cWhat\u2019s your rate for a 60-minute session?\u201d<\/li>\n\n\n\n<li>\u201cMy plan covers 80% \u2014 so what will I owe at the end?\u201d<\/li>\n\n\n\n<li>\u201cDo you submit direct billing, or do I pay upfront?\u201d<\/li>\n<\/ul>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\ud83e\udded How to Maximize Coverage with Smart Co-Pay Strategy<\/strong><\/h2>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>\ud83d\udcc6 <strong>Book longer sessions less frequently<\/strong> to reduce repeated co-pays<\/li>\n\n\n\n<li>\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 <strong>Use spouse\u2019s plan second<\/strong> to cover remaining % through Coordination of Benefits<\/li>\n\n\n\n<li>\ud83e\uddfe <strong>Track every visit<\/strong> and receipt to ensure full reimbursement<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udcac Ruby can help check how much you\u2019ve claimed YTD and what\u2019s still available.<\/p>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\u2705 Action Checklist<\/strong><\/h2>\n\n\n\n<ul class=\"\\&quot;wp-block-list\\&quot; wp-block-list\">\n<li>\ud83d\udcd6 Review your benefits booklet co-insurance %<\/li>\n\n\n\n<li>\ud83e\uddee Use our calculator at<a href=\\\"https:\/\/insurance.rmtclinic.net\\\"> insurance.rmtclinic.net<\/a><\/li>\n\n\n\n<li>\ud83d\udd0d Search clinics that <strong>minimize co-payments<\/strong> at<a href=\\\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/11\/Discover-how-online-booking-tools-can-simplify-scheduling.jpg\\\"> rmtclinic.net\/toronto\/<\/a><\/li>\n\n\n\n<li>\ud83e\uddfe Keep receipts for tax + coordination use<\/li>\n<\/ul>\n\n\n\n<h2 class=\"\\&quot;wp-block-heading\\&quot; wp-block-heading\"><strong>\u270d\ufe0f About the Author<\/strong><\/h2>\n\n\n\n<p><strong>Henry Tse<\/strong> is the founder of RMT Clinic Network Organization. Through clear education and empowering content, he helps Canadians navigate the fine print of insurance plans to make every dollar count \u2014 with less stress and more care.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A co-payment is your share of the treatment cost\u2014not covered by insurance. Scores like 80\/20 are common. Know your percentage to avoid surprise charges.<\/p>\n","protected":false},"author":1,"featured_media":66773,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[31],"class_list":["post-66772","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-understanding-co-payments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic\" \/>\n<meta property=\"og:description\" content=\"A co-payment is your share of the treatment cost\u2014not covered by insurance. Scores like 80\/20 are common. Know your percentage to avoid surprise charges.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Voted Toronto\u2019s Best RMT Massage Therapy Clinic\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NorthTorontoRMTClinic\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-29T22:11:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"996\" \/>\n\t<meta property=\"og:image:height\" content=\"664\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"henry\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"henry\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\"},\"author\":{\"name\":\"henry\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/b4c4d4b92eca2980eefcd27191b4a069\"},\"headline\":\"Understanding Co-Payments\",\"datePublished\":\"2025-07-29T22:11:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\"},\"wordCount\":554,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#organization\"},\"image\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg\",\"keywords\":[\"Understanding Co-Payments\"],\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\",\"url\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\",\"name\":\"Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic\",\"isPartOf\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg\",\"datePublished\":\"2025-07-29T22:11:22+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage\",\"url\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg\",\"contentUrl\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg\",\"width\":996,\"height\":664,\"caption\":\"Understanding Co-Payments\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/rmtclinic.net\/toronto\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Understanding Co-Payments\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#website\",\"url\":\"https:\/\/rmtclinic.net\/toronto\/\",\"name\":\"RMT Clinic Toronto\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/rmtclinic.net\/toronto\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#organization\",\"name\":\"RMT Clinic Toronto\",\"url\":\"https:\/\/rmtclinic.net\/toronto\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/05\/RMTclinic.net-048.jpeg-scaled.jpg\",\"contentUrl\":\"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/05\/RMTclinic.net-048.jpeg-scaled.jpg\",\"width\":2560,\"height\":1895,\"caption\":\"RMT Clinic Toronto\"},\"image\":{\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/NorthTorontoRMTClinic\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/b4c4d4b92eca2980eefcd27191b4a069\",\"name\":\"henry\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/9496820a14c205b4cc0cbfc2fe05c0664da203c465a87e75226ca2f2625b2c6b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/9496820a14c205b4cc0cbfc2fe05c0664da203c465a87e75226ca2f2625b2c6b?s=96&d=mm&r=g\",\"caption\":\"henry\"},\"sameAs\":[\"https:\/\/rmtclinic.net\/toronto\"],\"url\":\"https:\/\/rmtclinic.net\/toronto\/author\/henry\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/","og_locale":"en_US","og_type":"article","og_title":"Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic","og_description":"A co-payment is your share of the treatment cost\u2014not covered by insurance. Scores like 80\/20 are common. Know your percentage to avoid surprise charges.","og_url":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/","og_site_name":"Voted Toronto\u2019s Best RMT Massage Therapy Clinic","article_publisher":"https:\/\/www.facebook.com\/NorthTorontoRMTClinic\/","article_published_time":"2025-07-29T22:11:22+00:00","og_image":[{"width":996,"height":664,"url":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg","type":"image\/jpeg"}],"author":"henry","twitter_card":"summary_large_image","twitter_misc":{"Written by":"henry","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#article","isPartOf":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/"},"author":{"name":"henry","@id":"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/b4c4d4b92eca2980eefcd27191b4a069"},"headline":"Understanding Co-Payments","datePublished":"2025-07-29T22:11:22+00:00","mainEntityOfPage":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/"},"wordCount":554,"commentCount":0,"publisher":{"@id":"https:\/\/rmtclinic.net\/toronto\/#organization"},"image":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage"},"thumbnailUrl":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg","keywords":["Understanding Co-Payments"],"articleSection":["Blog"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/","url":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/","name":"Understanding Co-Payments - Voted Toronto\u2019s Best RMT Massage Therapy Clinic","isPartOf":{"@id":"https:\/\/rmtclinic.net\/toronto\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage"},"image":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage"},"thumbnailUrl":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg","datePublished":"2025-07-29T22:11:22+00:00","breadcrumb":{"@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#primaryimage","url":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg","contentUrl":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg","width":996,"height":664,"caption":"Understanding Co-Payments"},{"@type":"BreadcrumbList","@id":"https:\/\/rmtclinic.net\/toronto\/understanding-co-payments\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rmtclinic.net\/toronto\/"},{"@type":"ListItem","position":2,"name":"Understanding Co-Payments"}]},{"@type":"WebSite","@id":"https:\/\/rmtclinic.net\/toronto\/#website","url":"https:\/\/rmtclinic.net\/toronto\/","name":"RMT Clinic Toronto","description":"","publisher":{"@id":"https:\/\/rmtclinic.net\/toronto\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rmtclinic.net\/toronto\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/rmtclinic.net\/toronto\/#organization","name":"RMT Clinic Toronto","url":"https:\/\/rmtclinic.net\/toronto\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rmtclinic.net\/toronto\/#\/schema\/logo\/image\/","url":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/05\/RMTclinic.net-048.jpeg-scaled.jpg","contentUrl":"https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/05\/RMTclinic.net-048.jpeg-scaled.jpg","width":2560,"height":1895,"caption":"RMT Clinic Toronto"},"image":{"@id":"https:\/\/rmtclinic.net\/toronto\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/NorthTorontoRMTClinic\/"]},{"@type":"Person","@id":"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/b4c4d4b92eca2980eefcd27191b4a069","name":"henry","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rmtclinic.net\/toronto\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/9496820a14c205b4cc0cbfc2fe05c0664da203c465a87e75226ca2f2625b2c6b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9496820a14c205b4cc0cbfc2fe05c0664da203c465a87e75226ca2f2625b2c6b?s=96&d=mm&r=g","caption":"henry"},"sameAs":["https:\/\/rmtclinic.net\/toronto"],"url":"https:\/\/rmtclinic.net\/toronto\/author\/henry\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg",996,664,false],"thumbnail":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments-150x150.jpg",150,150,true],"medium":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments-300x200.jpg",300,200,true],"medium_large":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments-768x512.jpg",768,512,true],"large":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg",996,664,false],"1536x1536":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg",996,664,false],"2048x2048":["https:\/\/rmtclinic.net\/toronto\/wp-content\/uploads\/2025\/09\/Understanding-Co-Payments.jpg",996,664,false]},"uagb_author_info":{"display_name":"henry","author_link":"https:\/\/rmtclinic.net\/toronto\/author\/henry\/"},"uagb_comment_info":0,"uagb_excerpt":"A co-payment is your share of the treatment cost\u2014not covered by insurance. Scores like 80\/20 are common. Know your percentage to avoid surprise charges.","_links":{"self":[{"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/posts\/66772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/comments?post=66772"}],"version-history":[{"count":0,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/posts\/66772\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/media\/66773"}],"wp:attachment":[{"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/media?parent=66772"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/categories?post=66772"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rmtclinic.net\/toronto\/wp-json\/wp\/v2\/tags?post=66772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}